Corporate Retirement Planning

 

 

Retirement Planning

 

Most business owners view their business as their pension / retirement planning, they usually do not consider a “Plan B” or how they will ultimately exit the business.

 Your financial plan will highlight any shortfalls that you may have along with considerations on how this can be addressed.

This could include tax efficient options for removing capital from the business, corporate investment solutions, review of existing arrangements or switching out of a poorly performing fund.

 

Pensions

Personal Pensions are a tax incentivised savings vehicle for retirement, with contributions often being an allowable tax-deductible expense for the business. Other complex arrangements such as a Self-Invested Personal Pension (SIPP) or a Small Self-Administered Scheme (SSAS) allow a wider range of investment options, even allowing you to borrow funds within the structure to help you potentially purchase your corporate premises.

 

Review

It is important to have your savings working as hard as possible for you, therefore it’s imperative that you review not only the contract but also the investment fund(s) utilised within your contracts.

Billions of pounds remain languishing in underperforming funds, where a simple fund switch to an alternative fund would potentially provide a higher investment return.

 

 

 

Our Portfolios

At Howard Wright we provide a range of risk focused actively managed investment portfolios which are designed to assist our clients in achieving their investment objectives.

Sometimes it will be advisable to retain funds within the business. This does not mean that the capital needs to sit in a low interest business account.

There are a range of investment contracts available for businesses so that they can access the Howard Wright investment portfolios.
The value of investments and the income derived from them can fall as well as rise. You may not get back what you invest.

 

Advice to Employees

Howard Wright can also provide valuable advice to your company’s employees on their own retirement planning. This can focus on individual arrangements as outlined above and / or the provision of group arrangements, such as meeting your legal obligations under auto-enrolment legislation.

What to do next?

To discuss your retirement planning with one of our Chartered Advisers, you can call us on 0345 688 4939 or fill in our enquiry form below, it only takes 20 seconds to complete.

Once you have done this one of our Chartered Financial Planners will then contact you as soon as possible, to discuss your circumstances and arrange your free initial Consultation.

“Eleven years ago I retired and not being financially educated I was faced with what was the legal and financial implications in accessing my retirement fund.

Initially it was panic stations with the plethora of options and pitfalls to overcome. At this point I was introduced to the Howard Wright Organisation that was very local.

My first meeting quickly unravelled the options available, and without any external pressure I was able to make my decision concerning a Draw Down Option.

Considering the volatile market and financial nightmares over these past 11 years my decision has been proved correct. They have protected my fund and allowed me to sleep at night by operating a brilliant flexible system that continually updates me, plus a brilliant start of year meeting so I can assess the way forward for any upcoming period.

We are so pleased with the out come that when my wife retired she went along the same route”

Mr & Mrs Thorneycroft

“I have been a client of Howard Wright for over 15 years and i couldn’t recommend them highly enough. They have proven over the last 15 years that our money couldn’t be in better or safer hands. We wouldn’t trust anyone else with our money”

Testimonials

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Oaktree Rise
Codsall
WV8 1DT

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Start planning your financial future today.

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0345 688 4939